Private Label Card
Insights and trends in the private label card industry.
Written by Michael Cook
Updated at June 25th, 2025
Table of Contents
Private Label Card Report
What This Report Is
This report shows all the transactions made using private label cards — these are special payment cards issued by specific programs or companies (kind of like a store credit card). You can filter by card type (e.g., ARI, ELEMENT, or ELEMEN) and choose a date range to see which private card transactions happened in your store.
Why It Matters
- Helps you track payments made with private cards
- Ensures all private card sales are recorded properly
- Useful for checking if private card batches match your deposits
- Helps catch unusual or suspicious transactions
What to Look For
| Column | What It Tells You | What to Watch Out For |
|---|---|---|
| Date & Time | When the transaction happened | Look for unexpected dates/times |
| Transaction # | Unique ID for the sale | Helps track specific transactions |
| Card # | The private card used for the purchase | Watch for repeated or unusual card usage |
| Reference Id | Extra tracking ID tied to the card | Helps verify transactions with processor |
| Payment Amount ($) | How much was charged | Look for very high or very low amounts |
What to Do
- Reconcile Payments: Compare the Payment Amount totals to your private card deposit reports to ensure they match.
- Review Unusual Activity: If a card is used many times in a short period, or large amounts appear, investigate further.
- Check Card Types: Filter by ARI, ELEMENT, or ELEMEN to review each private card provider’s activity.
- Keep Records: Export the report regularly for your accountant or corporate office to assist with end-of-month reconciliation.